Making mutual fund investing
simple, informed & goal-oriented.
Nivesh Sarthi is a mutual fund distribution practice built around understanding before investing. We help you set a goal, match it to a plan you can actually keep, and review it as life changes — explained in the language you are most comfortable in.
Ajinkya Khandare
Founder | Mutual Fund Distributor · Nivesh Sarthi
Minal Khandare
Co-founder – Operations & Client Support
Built to be understood, not just sold
Four things we hold ourselves to, and the reason the practice exists in the form it does.
“A fund that suits you and that you can stay invested in will nearly always beat a better fund that you abandon in the first bad year.”
Simple & Easy to Understand
No jargon and no rushing. We explain what a fund is, what it can and cannot do, and what you are signing — for as long as it takes for it to genuinely make sense.
Goal-Oriented Investing
Every rupee gets a job: a home, your child’s education, retirement, an emergency buffer. Money invested for a reason is far easier to stay invested in.
Modern Approach
Paperless onboarding, digital transactions and online tracking, so you can start a SIP, add to it and watch it from your phone — without a trip to anyone’s office.
Personal Support
You will always be speaking to Ajinkya or Minal, never a call centre. The same two people who set your plan up are the ones who review it with you.
Don’t just chase returns. Build an investment approach.
There are more ways to invest in a mutual fund today than there have ever been, and that is genuinely good news. The useful question is not which route you take — it is what you are choosing against.
Route 1
Investing on your own
A direct plan, an app, and a decision you make yourself. Plenty of investors do this well, and for someone who enjoys reading up on funds it can work perfectly.
Route 2
Following recommendations
A list from a website, a video, or the group everyone you know is in. A good deal of it is thoughtful and well researched. What it cannot know is your situation.
Route 3
Choosing on past returns
Sorting by three-year or five-year performance and picking from the top. It is the most intuitive method there is, which is exactly why it is the most common.
A fund that has performed well may be an excellent fund — and still be the wrong one for you. Past returns describe a period that has already happened, under conditions that may not repeat, for an investor who perhaps had twenty years to wait when you have four.
What an approach weighs instead
- What the goal is, and what it costs
- How long until you need the money
- How much of a fall you can live with
- How the whole portfolio is spread
- Why you are investing at all
None of this says investing on your own is a mistake. Many people manage their own portfolios thoughtfully and do very well, and a distributor has never been a requirement for investing in mutual funds. What guidance adds is structure: someone who asked the awkward questions at the start, who can tell you why each fund is in there, and who picks up the phone in the year the market falls and the plan suddenly feels wrong. If you would rather have that alongside you, that is what Nivesh Sarthi is for.
Bringing investment awareness closer to you
Investing should not be something that only happens in Mumbai and Pune, or only for people who already follow the markets. Most families we meet have been saving carefully for years. What has been missing is not discipline — it is information.
What you already know well
Ways of saving that have served families here for generations. Nothing on this site asks you to give them up.
- Fixed deposits
- Gold
- Property
- Recurring deposits and post office schemes
What we would like to make just as familiar
Ideas that are simpler than they sound. We will go through them at your pace, in your language, as many times as you like.
- What a mutual fund actually is
- How a SIP works
- What risk really means
- Why diversification matters
- Investing against a goal
Financial awareness should come before investment decisions.
- Learn
- Understand
- Plan
- Invest
- Review
Making informed investing accessible, wherever you are.
Understand. Plan. Invest. Review.
Four steps, in that order, every time. Nothing is recommended before the first one is done.
01
Understand
We start with you, not with a scheme. Income, commitments, what you are saving for, when you will need it, and how you would feel if it fell 20% along the way.
02
Plan
Each goal gets a time horizon, an amount and a sensible category of fund — with the reasoning written down in plain language so you can check it later.
03
Invest
Paperless KYC, a SIP or lumpsum set up digitally, and every document explained before you sign it. Start small if you would rather; it can always be stepped up.
04
Review
We look at it together periodically, and whenever life changes — a new job, a new child, a goal that has arrived. Changes get made because something changed, not because markets moved.
What we help you with
Everything here sits inside mutual fund distribution. We would rather do one thing properly than offer a list of products we are not qualified to explain.
Built for today’s investor
Modern where it saves you time, personal where it actually matters.
Technology, with a person behind it
The convenience of a good app, and someone who knows your file when you need an answer a screen cannot give you.
A simple digital experience
Paperless KYC, online transactions and auto-debit. Start, add to or pause an investment without a single form in an envelope.
Your portfolio, whenever you want it
Holdings, valuations and statements available online, so you never have to ask anyone what you own.
Education alongside the guidance
Explainers, calculators and conversations that leave you understanding the decision, not just agreeing to it.
Run the numbers yourself
Free calculators, no sign-up and no email required. Work out what a SIP could become, what a goal will cost, or what a monthly withdrawal would look like — before you speak to anyone.
SIP Calculator
15 years · 12% assumed annual return
₹10,000
Projected value in 15 years
₹0
- You invest
- ₹0
- Potential growth
- ₹0
Illustrative only. Returns are assumed, not guaranteed. Mutual fund investments are subject to market risks.
- Try Calculator
Lumpsum Calculator
Estimate the future value of a one-time investment.
- Plan a Goal
Goal Planner
Find the monthly investment needed to reach your goal.
- Plan Retirement
Retirement Calculator
Find the corpus that funds your retirement, and the SIP that builds it.
- Plan Education
Child Education Calculator
See what a course will cost by the time your child gets there.
- Plan Withdrawals
SWP Calculator
Plan a monthly withdrawal and see how long it lasts.
Start with the questions everyone actually has
Nobody is born knowing what an expense ratio is. These are the questions we are asked most often, answered in full on the education page — and no scheme is recommended in any of them.
What is a mutual fund?
Money pooled from many investors and managed by a professional fund manager, so that a small amount buys a share of a large, diversified portfolio.
What is a SIP?
A fixed amount invested on the same date every month. It is a way of investing, not a product in itself.
How does a SIP actually work?
Your bank is debited automatically and units are bought at that day’s price — more when the price is low, fewer when it is high.
What is investment risk?
Not the chance of losing everything, but how much the value moves along the way — and how long you may have to wait for a fall to recover.
Why does diversification matter?
Spreading money across companies, sectors and asset types, so that no single disappointment can undo the whole plan.
How should an investor choose a fund?
Start from the goal and the horizon, settle the category first, and only then compare the funds inside that category.
Why past returns should not be the only factor
A return figure describes a period that has already finished. It says nothing about whether the fund suits your goal, your horizon or your temperament.
No scheme is recommended anywhere in this section. It is here to be useful.
Ready to take the first step?
Whether you are starting your first ₹500 SIP or looking at a portfolio built up over years, the first conversation is free and there is nothing to sign.
Talk to us
Call, WhatsApp, email, or leave your details and we will come back to you within one working day. Questions are welcome long before any decision is.
Office address line
Khamgaon, District Buldhana, Maharashtra